Side-by-side · Q2 2026 data
Universal Federal Credit Union vs Putnam School Employees Federal Credit Union
Credit union
Universal Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Credit union
Putnam School Employees Federal Credit Union
Eleanor, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Universal Federal Credit Union | Putnam School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 99 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 85 | 95 (stronger) |
| Earnings | 38 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 59th | 99th |
| Total assets | $99.5M | $14.1M |
| Deposits / shares | $85.6M | $11.1M |
| Capital ratio | 13.03% | 21.00% (stronger) |
| Problem loans | 0.46% | 0.14% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.45% | 3.81% (stronger) |
| Loans ÷ deposits | 30.3% (stronger) | 60.0% |
| Uninsured deposits | 4.0% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
Putnam School Employees Federal Credit Union has the higher TellerScore (99 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Universal Federal Credit Union leads on 2 and Putnam School Employees Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.